EP3392815A1 - Method for performing inter-system service operation, service platform, and target system - Google Patents

Method for performing inter-system service operation, service platform, and target system Download PDF

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Publication number
EP3392815A1
EP3392815A1 EP16874772.3A EP16874772A EP3392815A1 EP 3392815 A1 EP3392815 A1 EP 3392815A1 EP 16874772 A EP16874772 A EP 16874772A EP 3392815 A1 EP3392815 A1 EP 3392815A1
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Prior art keywords
target system
account
service
service request
unit
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German (de)
French (fr)
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EP3392815A4 (en
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Huan Wang
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Advanced New Technologies Co Ltd
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Alibaba Group Holding Ltd
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    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/381Currency conversion
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/227Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
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    • GPHYSICS
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0633Lists, e.g. purchase orders, compilation or processing
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0815Network architectures or network communication protocols for network security for authentication of entities providing single-sign-on or federations
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083Network architectures or network communication protocols for network security for authentication of entities using passwords

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Abstract

Implementations of the present application relate to a method for performing an inter-system service operation, a service platform, and a target system. When receiving a service request sent by a source system, the service platform retrieves a target system account based on a source system account and information about the target system that are included in the service request, and sends the service request and the target system account to the target system, so that the target system performs a service operation corresponding to the service request after verifying the target system account, and returns an execution result. Therefore, inter-system service operation execution efficiency can be increased, and user experience can be improved.

Description

  • The present application claims priority to Chinese Patent Application No. 201510947116.0, filed on December 17, 2015 and "METHOD FOR PERFORMING INTER-SYSTEM SERVICE OPERATION, SERVICE PLATFORM, AND TARGET SYSTEM", which is incorporated herein by reference in its entirety.
  • TECHNICAL FIELD
  • The present application relates to the field of computer technologies, and in particular, to a method for performing an inter-system service operation, a service platform, and a target system.
  • BACKGROUND
  • In conventional technologies, during execution of an inter-system (inter-station) service operation, a source system can send a service request to a service platform, and then the service platform forwards the service request to a target system. After receiving the service request, the target system returns address information of the target system to the source system by using the service platform, so that the source system can jump to a login interface of the target system based on the address information. The target system can receive account and password information of the target system that are input by a user on the login interface, performs a service operation corresponding to the service request after the account and the password of the target system are verified, and returns an execution result to the source system by using the service platform. It can be seen that in the existing technologies, when the source system implements a jump operation to the target system, the user needs to input account and password information on the target system, which affects service operation execution efficiency, and can result in poor user experience.
  • SUMMARY
  • Implementations of the present application provide a method for performing an inter-system service operation, a service platform, and a target system to increase inter-system service operation execution efficiency.
  • According to a first aspect, a method for performing an inter-system service operation is provided, where the method includes: receiving, by a service platform, a first service request sent by a source system, where the first service request includes a source system account and information about a target system; retrieving a target system account from a predetermined storage unit based on the source system account and the information about the target system, where the predetermined storage unit is configured to store a source system account and information of another system that are bound to the source system account; sending the first service request and the target system account to the target system, so that the target system performs a service operation corresponding to the first service request after verifying the target system account; and receiving a first execution result returned by the target system, and forwarding the first execution result to the source system.
  • According to a second aspect, a method for performing an inter-system service operation is provided, where the method includes: receiving, by a target system, a first service request and a target system account that are sent by a service platform; after the target system account is verified, performing a service operation corresponding to the first service request to obtain a first execution result; and returning the first execution result to the service platform.
  • According to a third aspect, a service platform is provided, where the service platform includes a receiving unit, a retrieving unit, and a sending unit; the receiving unit is configured to receive a first service request sent by a source system, where the first service request includes a source system account and information about a target system; the retrieving unit is configured to retrieve a target system account from a predetermined storage unit based on the source system account and the information about the target system that are received by the receiving unit, where the predetermined storage unit is configured to store a source system account and information of another system that are bound to the source system account; the sending unit is configured to send, to the target system, the first service request and the target system account that is retrieved by the retrieving unit, so that the target system performs a service operation corresponding to the first service request after verifying the target system account; and the receiving unit is further configured to receive a first execution result returned by the target system, and forward the first execution result to the source system.
  • According to a fourth aspect, a target system is provided, where the target system includes a receiving unit, an execution unit, and a sending unit; the receiving unit is configured to receive a first service request and a target system account that are sent by a service platform; the execution unit is configured to after the target system account that is received by the receiving unit is verified, perform a service operation corresponding to the first service request to obtain a first execution result; and the sending unit is configured to return the first execution result to the service platform.
  • According to the method for performing an inter-system service operation, the service platform, and the target system provided in the present application, when receiving the service request sent by the source system, the service platform retrieves the target system account based on the source system account and the information about the target system that are included in the service request, and sends the service request and the target system account to the target system, so that the target system performs the service operation corresponding to the service request after verifying the target system account, and returns the execution result. It can be seen that, in the implementations of the present application, it is unnecessary to receive the account and password information of the target system that are input by a user. Therefore, inter-system service operation execution efficiency can be increased, and user experience can be improved.
  • BRIEF DESCRIPTION OF DRAWINGS
    • FIG. 1 is a flowchart illustrating a method for performing an inter-system service operation, according to an implementation of the present application;
    • FIG. 2 is a flowchart illustrating a method for performing an inter-system service operation, according to another implementation of the present application;
    • FIG. 3 is a schematic diagram illustrating a service platform, according to still another implementation of the present application; and
    • FIG. 4 is a schematic diagram illustrating a target system, according to yet another implementation of the present application.
    DESCRIPTION OF EMBODIMENTS
  • To make the objectives, technical solutions, and advantages of the implementations of the present application clearer, the following clearly and completely describes the technical solutions in the implementations of the present application with reference to the accompanying drawings in the implementations of the present application. Apparently, the described implementations are merely some rather than all of the implementations of the present application. All other implementations obtained by a person of ordinary skill in the art based on the implementations of the present application without creative efforts shall fall within the protection scope of the present application.
  • For better understanding of the implementations of the present application, the following further describes specific implementations with reference to the accompanying drawings, and the implementations do not limit the scope of the present application.
  • A method for performing an inter-system service operation provided in the implementations of the present application is applicable to scenarios that a service operation is performed by using at least two systems, for example, a scenario that a user pays by using two payment systems.
  • It is worthwhile to note that, in the implementations of the present application, an example that a user pays by using two payment systems (for example, a service request can be a payment request) is used. Methods for performing service operations other than a payment operation by using more than two systems can be similarly implemented, and are not separately described to avoid duplications.
  • The two payment systems can be a source system (INBOUND) and a target system (OUTBOUND), and the source system and the target system are separately used to identify different currencies. For example, the source system can be a payment system (such as the JPAY checkout counter) that a merchant website of country A subscribes to, and is used to identify an XX currency, and the target system can be a payment system (such as the ALIPAY system) that a user of country B registers with, and is used to identify a YY currency. It is worthwhile to note that both the source system and the target system are bound to a service platform (such as the ALIPAY PLUS GLOBAL NET), and the service platform is mainly used to provide services, such as Internet payment collection services, currency exchange service, fund clearance services for each payment system. It is worthwhile to note that after the source system is bound to the service platform, when receiving a payment request from a user and identifying that a current payment operation is an inter-system payment operation, the source system can forward the payment request to the service platform. After the service platform is bound to the target system, the target system returns an execution result to the service platform after performing a corresponding payment operation based on the received payment request. Then the service platform forwards the execution result to the source system.
  • Specifically, after the user of country B selects and orders a product on the merchant website of country A, when the user selects the target system as a payment platform, the source system identifies that the order is an inter-system order, that is, the source system sends an payment collection instruction to the target system through the GLOBALNET. The GLOBALNET performs fund clearance for the source system based on a clearance rule after the user pays for the product. The target system receives the payment collection instruction from the GLOBALNET, deducts a fund from a specified account (a target system account), and sends the fund to the GLOBALNET based on the clearance rule.
  • FIG. 1 is a flowchart illustrating a method for performing an inter-system service operation, according to an implementation of the present application. The method can be performed by a device that has processing capabilities including a server, a system, or an apparatus (for example, a service platform). As shown in FIG. 1, the method can specifically include the following steps.
  • Step 110: The service platform receives a first service request sent by a source system, where the first service request includes a source system account and information about a target system.
  • Here, the source system can be a payment system (such as the JPAY checkout counter) that a merchant website of country A subscribes to, and is used to identify an XX currency, and the target system can be a payment system (such as the ALIPAY system) that a user of country B registers with, and is used to identify a YY currency.
  • In addition, the information about the target system can include a name of the target system. An account used by the user of country B to log in to the source system can be referred to as the source system account.
  • For example, the service request is a payment request. After the user of country B selects and orders a product on the merchant website of country A, the merchant website implements a jump operation to the source system that the merchant website subscribes to. The user can select a payment platform from the source system. Assume that the received payment platform input by the user is the target system, the source system identifies a current payment operation as an inter-system payment operation, that is, the source system sends the first service request to the service platform.
  • Optionally, before step 110, the method in this implementation of the present application can further include a step of storing a mapping relationship between the source system account and a target system account in a predetermined storage unit. Afterward, the service platform can retrieve the target system account based on the source system account and the information about the target system without requiring the user to input the account and password information at the target system. Therefore, payment operation performance efficiency can be increased, and user experience can be improved.
  • Specific steps can be described as follows:
    Step 1101: Receive a second service request sent by the source system, where the second service request includes the source system account and information about the target system.
  • The second service request can be sent when the source system identifies for the first time that a payment platform selected by the user corresponding to the source system account is the target system. The second service request can further include a payment amount.
  • Step 1102: Send the second service request to the target system based on the information about the target system, so as to load a login interface of the target system, and perform verification on the account and password information received from the login interface of the target system.
  • Here, the target system account can be the account used by the user of country B to log in to the target system in the previous example.
  • It is worthwhile to note that when the second service request further includes the payment amount, because the source system identifies the XX currency and the target system identifies the YY currency, the service platform can convert the payment amount based on an exchange rate between the XX currency and the YY currency to obtain a converted payment amount.
  • The second service request sent by the service platform to the target system can include the converted payment amount. After receiving the second service request, the target system can return address information (such as a URL address) of the target system to the source system by using the service platform, so that the source system can implement a jump operation to the login interface of the target system (that is, the login interface of the target system is loaded) based on the address information of the target system. The target system can receive the account and password information of the target system that are input by the user on the login interface, and perform verification on the received account and password of the target system. After passing verification, the target system can display an interface on which the user can select a payment tool and input a payment password. After the payment password received is verified, the target system can perform a service operation corresponding to the second service request, for example, deduct the converted payment amount from the target system account.
  • Step 1103: Receive a second execution result that is returned after the target system performs a service operation corresponding to the second service request when the verification passes, where the second execution result includes the target system account.
  • Optionally, the second execution result can further include result information indicating whether the service operation succeeds or not, for example, can include information about whether the deduction succeeds or not.
  • Step 1104: Store a mapping relationship between the source system account and the target system account in the predetermined storage unit.
  • That is, after receiving the target system account, the service platform can record a mapping relationship among the source system account, the information about the target system, and the target system account in the predetermined storage unit, where the source system account and the information about the target system are received in step 1101.
  • For example, content in the predetermined storage unit can be shown in Table 1. Table 1
    Source system account target system account Name of target system
    11 22 aa
    33 bb
    22 44 aa
  • Accounts and names that are of target systems and that are bound to accounts of two source systems are stored in Table 1. It can be understood that, a target system account can be uniquely retrieved based on a source system account and a name of the target system.
  • Optionally, step 1104 can further include: sending the second execution result to the source system, so that the source system obtains a message indicating that the accounts are to be bound, and returns a storage instruction to the service system after obtaining the message indicating that the accounts are to be bound; and storing the mapping relationship between the source system account and the target system account in the predetermined storage unit based on the storage instruction.
  • Specifically, when receiving the second execution result sent by the target system, the service platform sends the second execution result to the source system. After receiving the second execution result, the source system can output a request for querying whether to bind the source system account to the target system account, and receive the message that is input by the user and that is used to indicate that the accounts are to be bound, that is, receive an authorization instruction of the user. In an implementation, the request can be output on a page, and the page can include an "OK" button. The source system receives the authorization instruction of the user once the source system receives a click instruction for the "OK" button.
  • After obtaining the message indicating that the accounts are to be bound, the source system can send the storage instruction to the service platform. The storage instruction is used to instruct the service platform to load a page for setting an inter-system payment password. After receiving an inter-system payment password input by the user, the service platform encrypts and stores the password locally, so as to perform verification on an inter-system payment password input by the user subsequently.
  • Certainly, in an actual application, the source system can prestore address information of the page of the service platform for setting an inter-system payment password. After obtaining the message indicating that the accounts are to be bound, the source system implements, based on the address information, a jump operation to the page for setting an inter-system payment password. After receiving the inter-system payment password input by the user, the service platform encrypts and stores the password locally, so as to perform verification on an inter-system payment password input by the user subsequently.
  • After obtaining the inter-system payment password input by the user, the service platform can store the mapping relationship between the source system account and the target system account in the predetermined storage unit.
  • Optionally, after step 1104, the method can further include the following step: adding identification information to the target system account, so that when performing verification on the target system account again, the target system performs verification only on the target system account without performing verification on the password.
  • That is, assume that content in the predetermined storage unit is shown in Table 1, and assume that the target system account that is included in the payment request received by the target system is "22", because "22" is an account bound to the source system account, and the target system has added the identification information to the account, the target system performs a corresponding payment operation provided that the target system account is verified, without performing verification on the password corresponding to the account again.
  • Step 120: Retrieve a target system account from a predetermined storage unit based on the source system account and the information about the target system, where the predetermined storage unit is configured to store source system account and information of another system that are bound to the source system account.
  • For example, assume that the source system account included in the first service request is "11", and a name of the target system is "aa", the account "22" of the target system can be retrieved from Table 1. That is, when a user corresponding to "11" logs in to the target system from the source system, the user does not need to input "22" and the password again, but instead, the service platform directly retrieves "22" corresponding to "11", and adds the target system account to the payment request to be sent to the target system.
  • It is worthwhile to note that if the service platform cannot retrieve the account and the password of the target system, step 1101 to step 1104 are performed to store the mapping relationship between the source system account and the target system account in the storage unit.
  • Step 130: Send the first service request and the target system account to the target system, so that the target system performs a service operation corresponding to the first service request after verifying the target system account.
  • Optionally, after retrieving the target system account, the service platform can further verify whether to use the retrieved target system account. Specifically, the service platform can output, to the user, a request for querying whether to use the retrieved target system account, and when receiving information indicating that the retrieved target system account is to be used, receive an inter-system payment password input by the user, and send the first service request and the target system account to the target system when the received inter-system password payment input by the user is consistent with the locally prestored inter-system payment password (that is, when the inter-system payment password is verified).
  • In the previous example, the target system can receive the first service request and "22", and because "22" is an account pre-registered by the user in the target system, that is, "22" has been stored in the target system, the target system account is verified. In addition, because the target system has added the identification information to the target system account that is in the predetermined storage unit and that is bound to the source system account, that is, the target system does not need to perform verification on the password corresponding to the target system account, the target system performs the service operation corresponding to the first service request provided that the target system account is verified, for example, performs a payment operation, that is, deducts the converted payment amount from the target system account.
  • For example, the target system can transfer the converted payment amount deducted from the target system account to a temporary account of the service platform, and then the service platform transfers the corresponding payment amount to the source system account.
  • Step 140: Receive a first execution result returned by the target system, and forward the first execution result to the source system.
  • For example, the service platform receives the first execution result after the target system performs the payment operation. The first execution result can include a message indicating whether the payment operation succeeds or not.
  • After receiving the first execution result, the source system can implement a jump operation back to a merchant system, so that the user can select another product.
  • According to the method for performing an inter-system service operation provided in the present application, when receiving the service request sent by the source system, the service platform retrieves the target system account based on the source system account and the information about the target system that are included in the service request, and logs in to the target system based on the retrieved target system account, so that the target system performs the service operation corresponding to the service request, and returns the execution result. It can be seen that, in this implementation of the present application, it is unnecessary to receive the account and the password of the target system that are input by the user. Therefore, inter-system service operation execution efficiency can be increased, and user experience can be improved.
  • FIG. 2 is a flowchart illustrating a method for performing an inter-system service operation, according to another implementation of the present application. The method can be performed by a device that has processing capabilities including a server, a system, or an apparatus (for example, a target system). As shown in FIG. 2, the method can specifically include the following steps.
  • Step 210: The target system receives a first service request and a target system account that are sent by a service platform.
  • Here the target system can be a payment system (such as the ALIPAY system) that a user of country B registers with, and is used to identify a YY currency. An account used by the user of country B to log in to the target system is referred to as the target system account.
  • For example, the service request is a payment request. After the user of country B selects and orders a product on a merchant website of country A, the merchant website implements a jump operation to a source system that the merchant website subscribes to. The user can select a payment platform from the source system. Assume that the received payment platform input by the user is the target system, the source system identifies a current payment operation as an inter-system payment operation, that is, the source system sends the first service request to the service platform. After receiving the first service request, the service platform forwards the first service request to the target system, and can further send the target system account to the target system.
  • The source system can be a payment system (such as the JPAY checkout counter) that the merchant website of country A subscribes to, and is used to identify an XX currency. An account used by the user of country B to log in to the source system can be referred to as a source system account.
  • The target system account that is sent by the service platform to the target system can be retrieved from a predetermined storage unit, that is, retrieved from the predetermined storage unit based on the source system account and information about the target system that are included in the first service request received from the source system, and the information about the target system can be a name of the target system, etc.
  • A mapping relationship between the source system account and the target system account can be established in the predetermined storage unit by using the following steps.
  • Step 2101: The target system loads a login interface of the target system based on a second service request received from the service platform.
  • Here the second service request can include a converted payment amount, and the converted payment amount is converted by the service platform from the payment amount based on an exchange rate between the XX currency and the YY currency.
  • After receiving the second service request, the target system can return address information (such as a URL address) of the target system to the source system by using the service platform, so that the source system can implement a jump operation to the login interface of the target system (that is, the login interface of the target system is loaded) based on the address information of the target system.
  • Step 2102: Obtain the account and password information of the target system from the login interface, and perform verification on the account and the password of the target system.
  • The target system can receive the account and the password of the target system that are input by the user on the login interface, and perform verification on the received account and the received password of the target system.
  • Step 2103: After the account and the password of the target system are verified, perform a service operation corresponding to the second service request to obtain a second execution result.
  • After the verification passes, the target system can display an interface on which the user needs to select a payment tool and input a payment password. After the payment password received is verified, the target system can perform the service operation corresponding to the second service request, for example, deduct the converted payment amount from the target system account.
  • Step 2104: Return the second execution result to the service platform, where the second execution result includes the target system account, so that the service platform stores the target system account.
  • Optionally, the second execution result can further include result information indicating whether the service operation succeeds or not, for example, can include information about whether the deduction succeeds or not.
  • That is, after receiving the target system account, the service platform can record a mapping relationship among the received source system account, the received information about the target system, and the received target system account in the predetermined storage unit.
  • For example, content in the predetermined storage unit can be shown in Table 1.
  • Accounts and names that are of target systems and that are bound to accounts of two source systems are stored in Table 1. It can be understood that, a target system account can be uniquely retrieved based on a source system account and a name of the target system.
  • Optionally, that the service platform stores the mapping relationship between the source system account and the target system account in the predetermined storage unit can be specifically as follows: When receiving the second execution result sent by the target system, the service platform sends the second execution result to the source system. After receiving the second execution result, the source system can output a request for querying whether to bind the source system account to the target system account, and receive a message that is input by the user and that is used to indicate that the accounts are to be bound, that is, receive an authorization instruction of the user. In an implementation, the request can be output on a page, and the page can include an "OK" button. The source system receives the authorization instruction of the user once the source system receives a click instruction for the "OK" button.
  • After obtaining the message indicating that the accounts are to be bound, the source system can send a storage instruction to the service platform. The storage instruction is used to instruct the service platform to load a page for setting an inter-system payment password. After receiving an inter-system payment password input by the user, the service platform encrypts and stores the password locally, so as to perform verification on an inter-system payment password input by the user subsequently.
  • Certainly, in an actual application, the source system can prestore address information of the page of the service platform for setting an inter-system payment password. After obtaining the message indicating that the accounts are to be bound, the source system implements, based on the address information, a jump operation to the page for setting an inter-system payment password. After receiving the inter-system payment password input by the user, the service platform encrypts and stores the password locally, so as to perform verification on an inter-system payment password input by the user subsequently.
  • After obtaining the inter-system payment password input by the user, the service platform can store the mapping relationship between the source system account and the target system account in the predetermined storage unit.
  • Optionally, after the account and the password of the target system are verified, the method further includes: adding identification information to the target system account, so that when performing verification on the target system account again, the target system performs verification only on the target system account without performing verification on the password.
  • That is, assume that content in the predetermined storage unit is shown in Table 1, and assume that the target system account that is included in the payment request received by the target system is "22", because "22" is an account bound to the source system account, and the target system has added the identification information to the account, the target system performs a corresponding payment operation provided that the target system account is verified, without performing verification on the password corresponding to the account again.
  • In step 210, after retrieving the target system account, the service platform can further verify whether to use the retrieved target system account. Specifically, the service platform can output, to the user, a request for querying whether to use the retrieved target system account, and when receiving information indicating that the retrieved target system account is to be used, receive an inter-system payment password input by the user, and send the first service request and the target system account to the target system when the received inter-system password payment input by the user is consistent with the locally prestored inter-system payment password (that is, when the inter-system payment password is verified).
  • Step 220: After the target system account is verified, perform a service operation corresponding to the first service request to obtain a first execution result.
  • In the previous example, the target system can receive the first service request and "22", and because "22" is an account pre-registered by the user in the target system, that is, "22" has been stored in the target system, the target system account is verified. In addition, because the target system has added the identification information to the target system account that is in the predetermined storage unit and that is bound to the source system account, that is, the target system does not need to perform verification on the password corresponding to the target system account, the target system performs the service operation corresponding to the first service request provided that the target system account is verified, for example, performs a payment operation, that is, deducts the converted payment amount from the target system account.
  • Step 230: Return the first execution result to the service platform.
  • For example, after performing the payment operation and obtaining the first execution result, the target system can return the first execution result to the service platform. The first execution result can include a message indicating whether the payment operation succeeds or not.
  • After receiving the first execution result, the source system can implement a jump operation back to a merchant system, so that the user can select another product.
  • According to the method for performing an inter-system service operation provided in the present application, when receiving the service request sent by the source system, the service platform retrieves the target system account based on the source system account and the information about the target system that are included in the service request, and logs in to the target system based on the retrieved target system account, so that the target system performs the service operation corresponding to the service request, and returns the execution result. It can be seen that, in this implementation of the present application, it is unnecessary to receive the account and the password of the target system that are input by the user. Therefore, inter-system service operation execution efficiency can be increased, and user experience can be improved.
  • Corresponding to the method for performing an inter-system service operation provided in the described implementation, an implementation of the present application further provides a service platform. As shown in FIG. 3, the service platform includes a receiving unit 301, a retrieving unit 302, and a sending unit 303.
  • The receiving unit 301 is configured to receive a first service request sent by a source system, where the first service request includes a source system account and information about a target system.
  • The retrieving unit 302 is configured to retrieve a target system account from a predetermined storage unit based on the source system account and the information about the target system that are received by the receiving unit 301, where the predetermined storage unit is configured to store an account and information of another system that are bound to the source system account.
  • The sending unit 303 is configured to send, to the target system, the first service request and the target system account that is retrieved by the retrieving unit 302, so that the target system performs a service operation corresponding to the first service request after verifying the target system account.
  • The receiving unit 301 is further configured to receive a first execution result returned by the target system, and forward the first execution result to the source system.
  • Optionally, the service platform further includes a saving unit 304.
  • The receiving unit 301 is further configured to receive a second service request sent by the source system, where the second service request includes the source system account and the information about the target system.
  • The sending unit 303 is further configured to send the second service request to the target system based on the information about the target system that is received by the receiving unit 301, so as to load a login interface of the target system, and perform verification on the account and password information of the target system that are received from the login interface.
  • The receiving unit 301 is further configured to receive a second execution result that is returned after the target system performs a service operation corresponding to the second service request when the verification passes, where the second execution result includes the target system account.
  • The saving unit 304 is configured to store a mapping relationship between the source system account and the target system account in the predetermined storage unit.
  • The saving unit 304 is specifically configured to send the second execution result to the source system, so that the source system obtains a message indicating that the accounts are to be bound, and returns a storage instruction to the service system after obtaining the message indicating that the accounts are to be bound; and store the mapping relationship between the source system account and the target system account in the predetermined storage unit based on the storage instruction.
  • Optionally, the service platform is applied to inter-system login during payment, and the service request is a payment request.
  • Functions of functional modules of the apparatus in this implementation of the present application can be implemented by performing the steps in the described method implementation. Therefore, a specific working process of the apparatus provided in the present application is not described here again.
  • According to the service platform provided in the present application, the receiving unit 301 receives the first service request sent by the source system, where the first service request includes the source system account and the information about the target system; the retrieving unit 302 retrieves the target system account from the predetermined storage unit based on the source system account and the information of the target system, where the predetermined storage unit is configured to store an account and information of another system that are bound to the source system account; the sending unit 303 sends the first service request and the target system account to the target system, so that the target system performs the service operation corresponding to the first service request after verifying the target system account; and the receiving unit 301 receives the first execution result returned by the target system, and forwards the first execution result to the source system. Therefore, inter-system service operation execution efficiency can be increased, and user experience can be improved.
  • Corresponding to the method for performing an inter-system service operation provided in another described implementation, an implementation of the present application further provides a target system. As shown in FIG. 4, the target system includes a receiving unit 401, an execution unit 402, and a sending unit 403.
  • The receiving unit 401 is configured to receive a first service request and a target system account that are sent by a service platform.
  • The execution unit 402 is configured to after the target system account that is received by the receiving unit 401 is verified, perform a service operation corresponding to the first service request to obtain a first execution result.
  • The sending unit 403 is configured to return the first execution result to the service platform.
  • Optionally, the target system further includes a loading unit 404 and an acquisition unit 405.
  • The loading unit 404 is configured to load a login interface of the target system based on a second service request received from the service platform.
  • The acquisition unit 405 is configured to obtain the account and password information of the target system from the login interface loaded by the loading unit 404, and perform verification on the account and the password of the target system.
  • The execution unit 402 is further configured to after the account and the password of the target system that are obtained by the acquisition unit 405 are verified, perform a service operation corresponding to the second service request to obtain a second execution result.
  • The sending unit 403 is further configured to return the second execution result obtained by the execution unit 402 to the service platform, where the second execution result includes the target system account, so that the service platform stores the target system account.
  • Optionally, the target system further includes an adding unit 406.
  • The adding unit 406 is configured to add identification information to the target system account, so that when performing verification on the target system account again, the target system performs verification only on the target system account without performing verification on the password.
  • Functions of functional modules of the apparatus in this implementation of the present application can be implemented by performing the steps in the described method implementation. Therefore, a specific working process of the apparatus provided in the present application is not described here again.
  • According to the target system provided in the present application, the receiving unit 401 receives the first service request and the target system account that are sent by the service platform; and after the target system account is verified, the execution unit 402 performs the service operation corresponding to the first service request to obtain the first execution result; and the sending unit 403 returns the first execution result to the service platform. Therefore, inter-system service operation execution efficiency can be increased, and user experience can be improved.
  • A person skilled in the art can be further aware that, in combination with the examples described in the implementations disclosed in this specification, objects and algorithm steps can be implemented by electronic hardware, computer software, or a combination thereof. To describe the interchangeability between the hardware and the software, compositions and steps of each example have been described above according to functions. Whether the functions are performed by hardware or software depends on particular applications and design constraint conditions of the technical solutions. A person skilled in the art can use different methods to implement the described functions for each particular application, but it should not be considered that the implementations go beyond the scope of the present application.
  • Steps of methods or algorithms described in the implementations disclosed in this specification can be implemented by hardware, a software module executed by a processor, or a combination thereof. The software module can reside in a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
  • In the described specific implementations, the objective, technical solutions, and benefits of the present application are further described in detail. It should be understood that the descriptions are merely specific implementations of the present application, but are not intended to limit the protection scope of the present application. Any modification, equivalent replacement, or improvement made without departing from the spirit and principle of the present application should fall within the protection scope of the present application.

Claims (14)

  1. A method for performing an inter-system service operation, wherein the method comprises:
    receiving, by a service platform, a first service request sent by a source system, wherein the first service request comprises a source system account and information about a target system;
    retrieving a target system account from a predetermined storage unit based on the source system account and the information about the target system, wherein the predetermined storage unit is configured to store a source system account and information of another system that are bound to the source system account;
    sending the first service request and the target system account to the target system, so that the target system performs a service operation corresponding to the first service request after verifying the target system account; and
    receiving a first execution result returned by the target system, and forwarding the first execution result to the source system.
  2. The method according to claim 1, wherein the method further comprises a step of storing a mapping relationship between the source system account and the target system account in the predetermined storage unit, and the step comprises:
    receiving a second service request sent by the source system, wherein the second service request comprises the source system account and the information about the target system;
    sending the second service request to the target system based on the information about the target system, so as to load a login interface of the target system, and perform verification on the account and password information of the target system that are received from the login interface;
    receiving a second execution result that is returned after the target system performs a service operation corresponding to the second service request when the verification passes, wherein the second execution result comprises the target system account; and
    storing the mapping relationship between the source system account and the target system account in the predetermined storage unit.
  3. The method according to claim 2, wherein the storing a mapping relationship between the source system account and the target system account in the predetermined storage unit comprises:
    sending the second execution result to the source system, so that the source system obtains a message indicating that the accounts are to be bound, and returns a storage instruction to the service system after obtaining the message indicating that the accounts are to be bound; and
    storing the mapping relationship between the source system account and the target system account in the predetermined storage unit based on the storage instruction.
  4. The method according to any one of claims 1 to 3, wherein the method is applied to inter-system login during payment, and the service request is a payment request.
  5. A method for performing an inter-system service operation, wherein the method comprises:
    receiving, by a target system, a first service request and a target system account that are sent by a service platform;
    after the target system account is verified, performing a service operation corresponding to the first service request to obtain a first execution result; and
    returning the first execution result to the service platform.
  6. The method according to claim 5, wherein before the receiving, by a target system, a first service request and a target system account that are sent by a service platform, the method further comprises:
    loading a login interface of the target system based on a second service request received from the service platform;
    obtaining the account and password information of the target system from the login interface, and performing verification on the account and the password of the target system;
    after the account and the password of the target system are verified, performing a service operation corresponding to the second service request to obtain a second execution result; and
    returning the second execution result to the service platform, wherein the second execution result comprises the target system account, so that the service platform stores the target system account.
  7. The method according to claim 6, wherein after the account and the password of the target system are verified, the method further comprises:
    adding identification information to the target system account, so that when performing verification on the target system account again, the target system performs verification only on the target system account without performing verification on the password.
  8. A service platform, wherein the service platform comprises a receiving unit, a retrieving unit, and a sending unit;
    the receiving unit is configured to receive a first service request sent by a source system, wherein the first service request comprises a source system account and information about a target system;
    the retrieving unit is configured to retrieve a target system account from a predetermined storage unit based on the source system account and the information about the target system that are received by the receiving unit, wherein the predetermined storage unit is configured to store a source system account and information of another system that are bound to the source system account;
    the sending unit is configured to send, to the target system, the first service request and the target system account that is retrieved by the retrieving unit, so that the target system performs a service operation corresponding to the first service request after verifying the target system account; and
    the receiving unit is further configured to receive a first execution result returned by the target system, and forward the first execution result to the source system.
  9. The service platform according to claim 8, wherein the service platform further comprises a saving unit;
    the receiving unit is further configured to receive a second service request sent by the source system, wherein the second service request comprises the source system account and the information about the target system;
    the sending unit is further configured to send the second service request to the target system based on the information about the target system that is received by the receiving unit, so as to load a login interface of the target system, and perform verification on the account and password information of the target system that are received from the login interface;
    the receiving unit is further configured to receive a second execution result that is returned after the target system performs a service operation corresponding to the second service request when the verification passes, wherein the second execution result comprises the target system account; and
    the saving unit is configured to store a mapping relationship between the source system account and the target system account in the predetermined storage unit.
  10. The service platform according to claim 9, wherein the saving unit is specifically configured to:
    send the second execution result to the source system, so that the source system obtains a message indicating that the accounts are to be bound, and returns a storage instruction to the service system after obtaining the message indicating that the accounts are to be bound; and
    store the mapping relationship between the source system account and the target system account in the predetermined storage unit based on the storage instruction.
  11. The service platform according to any one of claims 8 to 10, wherein the service platform is applied to inter-system login during payment, and the service request is a payment request.
  12. A target system, wherein the target system comprises a receiving unit, an execution unit, and a sending unit;
    the receiving unit is configured to receive a first service request and a target system account that are sent by a service platform;
    the execution unit is configured to after the target system account that is received by the receiving unit is verified, perform a service operation corresponding to the first service request to obtain a first execution result; and
    the sending unit is configured to return the first execution result to the service platform.
  13. The target system according to claim 12, wherein the target system further comprises a loading unit and an acquisition unit;
    the loading unit is configured to load a login interface of the target system based on a second service request received from the service platform;
    the acquisition unit is configured to obtain the account and password information of the target system from the login interface loaded by the loading unit, and perform verification on the account and the password of the target system;
    the execution unit is further configured to after the account and the password of the target system that are obtained by the acquisition unit are verified, perform a service operation corresponding to the second service request to obtain a second execution result; and
    the sending unit is further configured to return the second execution result obtained by the execution unit to the service platform, wherein the second execution result comprises the target system account, so that the service platform stores the target system account.
  14. The target system according to claim 13, wherein the target system further comprises an adding unit; and
    the adding unit is configured to add identification information to the target system account, so that when performing verification on the target system account again, the target system performs verification only on the target system account without performing verification on the password.
EP16874772.3A 2015-12-17 2016-12-07 Method for performing inter-system service operation, service platform, and target system Ceased EP3392815A4 (en)

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AU2016373251A1 (en) 2018-07-05
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CN111565183A (en) 2020-08-21
MY188963A (en) 2022-01-14
KR102280023B1 (en) 2021-07-22
SG11201805151WA (en) 2018-07-30
US20180300715A1 (en) 2018-10-18
US11200566B2 (en) 2021-12-14
PH12018501290A1 (en) 2019-02-11
WO2017101715A1 (en) 2017-06-22
CN106899539A (en) 2017-06-27
AU2020244545B2 (en) 2022-03-31
CN111565183B (en) 2022-05-13
KR20180097654A (en) 2018-08-31

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